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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,970 | $65,084-67.8% | $67,681-69.0% | $64,340-67.4% |
| Participation rate | 28.1% | 66.7%-38.7pp | 73.7%-45.7pp | 55.2%-27.2pp |
| Annual return | 17.07% | 20.50%-3.4pp | 590.58%-573.5pp | 24.14%-7.1pp |
| Employer contribution / active EE | $0 | $2,398-100.0% | $2,678-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,722 | $3,210-46.4% | $3,976-56.7% | $2,980-42.2% |
| Admin fee / account holder | $2,394 | $1,415+69.2% | $6,100-60.7% | $3,703-35.3% |